<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FORM THE QUARTERLY
REPORT ON FORM 10-QSB FOR THE QUARTER ENDED JUNE 30, 1996 AND IS QUALIFIED IN
ITS ENTIRETY BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          MAR-31-1997
<PERIOD-END>                               DEC-31-1996
<CASH>                                           2,870
<INT-BEARING-DEPOSITS>                             463
<FED-FUNDS-SOLD>                                 3,305
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                     32,916
<INVESTMENTS-CARRYING>                          32,916
<INVESTMENTS-MARKET>                            32,916
<LOANS>                                         79,805
<ALLOWANCE>                                        802
<TOTAL-ASSETS>                                 128,361
<DEPOSITS>                                      97,361
<SHORT-TERM>                                     9,495
<LIABILITIES-OTHER>                              1,678
<LONG-TERM>                                        675
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                            13
<OTHER-SE>                                      19,138
<TOTAL-LIABILITIES-AND-EQUITY>                 128,361
<INTEREST-LOAN>                                  3,471
<INTEREST-INVEST>                                  898
<INTEREST-OTHER>                                   363
<INTEREST-TOTAL>                                 4,732
<INTEREST-DEPOSIT>                               2,292
<INTEREST-EXPENSE>                               2,463
<INTEREST-INCOME-NET>                            2,269
<LOAN-LOSSES>                                       68
<SECURITIES-GAINS>                                   8
<EXPENSE-OTHER>                                  1,927
<INCOME-PRETAX>                                    389
<INCOME-PRE-EXTRAORDINARY>                         389
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                       292
<EPS-PRIMARY>                                      .24
<EPS-DILUTED>                                        0
<YIELD-ACTUAL>                                    7.80
<LOANS-NON>                                        783
<LOANS-PAST>                                     4,365
<LOANS-TROUBLED>                                     0
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                   290
<CHARGE-OFFS>                                        0
<RECOVERIES>                                         0
<ALLOWANCE-CLOSE>                                  802
<ALLOWANCE-DOMESTIC>                               183
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                            619